   (let [sum (atom init)]
     (fn [n]
       (swap! sum + n))))
-
 
 ;; Exercise 3.2
 (defn make-monitored [f]

        :reset-count (reset! cnt 0)
        (do (swap! cnt inc)
            (f x))))))

                   (case m
                     :withdraw withdraw
                     :deposit deposit
                     (throw (IllegalArgumentException.
                             (str "Unknown request -- make-account "
                                  m)))))]
    dispatch))

;; Exercise 3.1
